Egypt

🚧
Transfers to Mobile Money wallets in Egypt are not available by default. To enable this feature, submit a request.

Prerequisites

Complete your KYC verification and confirm that your account is approved for transactions.
Whitelist your server IP address to prevent security errors.
Fund your EGP balance. You can do this by:
- Directly funding via collections, this method allows funding up to the equivalent of $1,000.
- Indirect funding via FX conversion from a different currency balance (i.e., wallet-to-wallet transfers).

We currently support two types of Inbound transfers into Egyptian mobile money wallets:

Class A: global enterprises, not categorised as Money transfer operators.
Class B: International Money Transfer Operators.

📘
Transfer Settlement Schedule
Transfers are processed Sunday to Thursday, 9 AM to 3 PM (GMT+2). Requests made outside these hours are handled the next working period. Funds settle 24-48 hours after processing.

Payout Flow

Follow these steps to initiate a transfer to an Egyptian Mobile Money Wallet

Collect the customer's (payout initiator) and beneficiary's information.
Specify EGPWALLETS as the account_bank in your request.
Send your API request with the required parameters and any other custom data.
Verify the payout status either via webhooks or with the query status endpoint.

Step 1: Collect Customer and Beneficiary information

You'll need the correct information to initiate the transfer. Collect the sender and beneficiary's information, see the list of mandatory and optional parameters below:

Parameter	Description	Format	Example	isRequired	Payment Rail
`account_number`	The beneficiary's bank account number.	String	`EGPWALLETS`	Yes	Class A / Class B
`account_bank`	The beneficiary's bank code. Query the bank endpoint for a comprehensive list of supported banks	String	“0690000032”	Yes	Class A / Class B
`amount`	The transfer amount.	String	"2000"	Yes	Class A / Class B
`beneficiary_name`	The full name of the transfer beneficiary.	String	“Example User”	Yes	Class A / Class B
`narration`	The transfer's description.	String	"Test Payment"	No	Class A / Class B
`currency`	The transfer currency. This must be `EGP`.	String	`EGP`	Yes	Class A / Class B
`meta`	Additional information needed to process the transfer.	Object	N/A	Yes	Class A / Class B
`meta.beneficiary_address`	The Beneficiary's Address.	String	“24 King William Street London”	No	Class A / Class B
`meta.beneficiary_country`	The Beneficiary's country. This should be `EG`.	String	`EG`	No	Class A / Class B
`meta.sender`	The Sender's full name.	String	Example User	No	Class A / Class B
`meta.email`	The Sender's email address.	String	'[email protected]'	No	Class B
`meta.sender_email_address`	The Sender's email address	String	[email protected]	No	Class A
`meta.sender_city`	The Sender's city	String	"Lagos"	Yes	Class A / Class B
`meta.sender_mobile_number`	The Sender's mobile number.	String	“01993003333”	No	Class A / Class B
`meta.sender_date_of_birth`	The Sender's date of birth.	String		Yes	Class A / Class B
`meta.sender_id_number`	The Sender's ID number.	String	"2231aaa"	Yes	Class A / Class B
`meta.sender_id_type`	The Sender's ID type.	String	"01"	Yes	Class A / Class B
`meta.sender_id_expiry`	The Sender's ID expiration date.	String	“2026-09-23”	Yes	Class A / Class B
`meta.is_cash_pickup`	Specifies if this is a cash pickup transfer. This should be `false`.	String	`false`	No	Class B
`debit_currency`	The source currency for the transfer.	String	"NGN"	Yes	Class A
`meta.transfer_purpose`	A brief description of the purpose for the transfer.	String	"Medical Bills"	Yes	Class A / Class B
`meta.beneficiary_id_number`	The Beneficiary's ID number	String	"28503122500311"	Yes	Class A
`meta.beneficiary_mobile_number`	The Beneficiary's Mobile number.	String	"01000410066"	Yes	Class A / Class B

Step 2: Payout to the Customer

Send your payment request with all the needed transfer information to the transfers endpoint to initiate the payout.

{
  "account_bank": "EGPWALLETS",
  "account_number": "1234567",
  "amount": 1000,
  "narration": "Retest",
  "beneficiary_name": "Mohamed Saad Hussein Saad Makarem",
  "currency": "EGP",
  "debit_currency": "NGN",
  "reference": "ST-10001002420",
  "meta": [
    {
      "beneficiary_address": "3057 El-Harameen St, El-Basatin Sharkeya, El Basatin, Cairo Governorate 4236025, Egypt",
      "sender_city": "Brighton",
      "beneficiary_country": "EG",
      "sender_id_number": "B01123075",
      "sender_id_type": "01",
      "sender_id_expiry": "2027-08-23T00:00:00",
      "sender_mobile_number": "441228587691",
      "sender_date_of_birth": "1993-12-28T00:00:00",
      "sender": "Tubonemi Oruitemeka",
      "email": "[email protected]",
      "transfer_purpose": "EPFAMT",
      "beneficiary_id_number": "28503122500311"
    }
  ]
}

{
    "account_number":"93998382832",
    "account_bank": "EGPWALLETS",
    "narration": "test",
    "amount": 1000,
    "currency": "EGP",
    "beneficiary_name": "john mike",
    "meta": [
        {
            "beneficiary_address": "24 King William Street",
            "sender_city": "kakakwa",
            "is_cash_pickup": false,
            "sender_id_number": "2231aaa",
            "sender_id_type": "01",
            "sender": "test",
            "sender_email_address": "[email protected]",
            "sender_id_expiry": "2026-09-23",
            "sender_mobile_number": "01993003333",
            "sender_date_of_birth": "2002-09-23",
            "transfer_purpose": "SERV",
            "beneficiary_mobile_number": "01000410066"
        }
    ]
}

You'll get a response like this:

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 326,
        "account_number": "1234567",
        "bank_code": "EGPWALLETS",
        "full_name": "Mohamed Saad Hussein Saad Makarem",
        "created_at": "2025-02-24T15:35:35.000Z",
        "currency": "EGP",
        "amount": 2000,
        "fee": 45,
        "status": "NEW",
        "reference": "ST-10001002420",
        "meta": [
            {
                "BeneficiaryAddress": "24 King William Street London",
                "SenderCity": "kakakwa",
                "IsCashPickup": false,
                "SenderIdNumber": "2231aaa",
                "SenderIdType": "PASSPORT",
                "Sender": "test",
                "SenderIdExpiry": "23/09/2026",
                "SenderDateOfBirth": "23/09/2002",
                "SenderAddress": "TESt 40",
                "SenderMobileNumber": "08110745134",
                "SenderNationality": "NG",
                "SenderCountry": "NG",
                "SenderEmailAddress": null,
                "MerchantName": "Daniel ltd",
                "BeneficiaryName": "Mohamed Saad Hussein Saad Makarem",
                "TransferType": "MOBILE",
              	"TransferPurpose": "EPFAMT",
                "AgentCode": "1",
                "AgentLocationCode": "1",
                "RouteCode": "BDC"
            }
        ],
        "narration": "Retest",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "FA-BANK"
    }
}

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 326,
        "account_number": "93998382832",
        "bank_code": "EGPWALLETS",
        "full_name": "JOHN MIKE",
        "created_at": "2025-02-24T15:35:35.000Z",
        "currency": "EGP",
        "amount": 2000,
        "fee": 45,
        "status": "NEW",
        "reference": "45ecccaf91421bcc",
        "meta": [
            {
                "BeneficiaryAddress": "24 King William Street London",
                "SenderCity": "kakakwa",
                "IsCashPickup": false,
                "SenderIdNumber": "2231aaa",
                "SenderIdType": "PASSPORT",
                "Sender": "test",
                "SenderIdExpiry": "23/09/2026",
                "SenderDateOfBirth": "23/09/2002",
                "SenderAddress": "TESt 40",
                "SenderMobileNumber": "08110745134",
                "SenderNationality": "NG",
                "SenderCountry": "NG",
                "SenderEmailAddress": null,
                "MerchantName": "Daniel ltd",
                "BeneficiaryName": "john mike",
                "TransferType": "MOBILE",
              	"TransferPurpose": "SERV",
                "AgentCode": "1",
                "AgentLocationCode": "1",
                "RouteCode": "BDC"
            }
        ],
        "narration": "test",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "FA-BANK"
    }
}

Step 3: Verify the Payout status

You have different options to verify the transfer status. Here are some quick ways to verify your status:

If you have webhooks enabled, we'll call your webhook URL with the transfer details when the transfer is completed or fails.
If you specify a callback_urlwhen creating the transfer, we'll call that URL with the transfer details when the transfer is completed or fails.
You can manually check the current status of the transfer by polling the get transfer endpoint with the transfer ID.

{
  "event.type": "Transfer",
  "transfer": {
    "id": 641173,
    "account_number": "0690000040",
    "bank_code": "97964560",
    "fullname": "NWABALI S",
    "date_created": "2024-07-29T13:00:30.000Z",
    "currency": "EGP",
    "debit_currency": "NGN",
    "amount": 100000,
    "fee": 45,
    "status": "SUCCESSFUL",
    "reference": "47b4b1f71065196a",
    "meta": null,
    "narration": "SAMPLE BDC TRANSFER",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1,
    "bank_name": "First Discount House Limited"
  }
}

{
	"status": "success",
	"message": "Transfer fetched",
	"data": {
		"id": 641173,
		"account_number": "0690000040",
		"bank_code": "97964560",
		"full_name": "NWABALI S",
		"created_at": "2024-07-29T11:36:14.000Z",
		"currency": "EGP",
		"debit_currency": "NGN",
		"amount": 100000,
		"fee": 45,
		"status": "SUCCESSFUL",
		"reference": "47b4b1f71065196a",
		"meta": [
			{
				"sender": "Sample User"
			}
		],
		"narration": "Payment for goods",
		"approver": null,
		"complete_message": "Successful",
		"requires_approval": 0,
		"is_approved": 1,
		"bank_name": "First Discount House Limited"
	}
}

Testing Transfers

Check our testing guide for details on testing transfers.

🚧

Prerequisites

📘Transfer Settlement Schedule

Payout Flow

Step 1: Collect Customer and Beneficiary information

Step 2: Payout to the Customer

Step 3: Verify the Payout status

Testing Transfers

📘
Transfer Settlement Schedule